Rare opportunity to assume the seller's existing 4.375% mortgage (subject to lender approval), offering qualified buyers a unique financing advantage in today's market. Built in 2022, this 5-bedroom, 4-bath home with a dedicated office offers nearly 2,900 square feet of thoughtfully designed living space that adapts to every stage of life. Whether you're relocating, working remotely, accommodating extended family, or simply looking for room to grow, this flexible floor plan delivers. The open-concept kitchen features quartz countertops, a large island, gas cooktop, double ovens, abundant cabinetry, and a spacious walk-in pantry, flowing seamlessly into the dining and living areas for easy everyday living and entertaining. A first-floor bedroom and full bath provide the perfect space for guests, multigenerational living, or a private home office, while upstairs you'll find a spacious primary suite and additional bedrooms for family or visitors. Situated on an oversized homesite with an adjacent utility easement, the screened lanai overlooks a peaceful preserve, creating a private outdoor retreat to enjoy morning coffee or unwind at the end of the day. Residents enjoy a community pool and playground, all just minutes from Amelia Island's beaches, historic downtown Fernandina Beach, shopping, dining, Kings Bay, Jacksonville, and Jacksonville International Airport. Offering one of the lowest price-per-square-foot opportunities among comparable Phase III homes, newer construction, a versatile layout, and a rare assumable mortgage, this home delivers exceptional value in today's market.